Summary This article explains how mortgage overpayments work during fixed-rate periods in the UK, including early repayment charges, lender rules, and common limitations. It is for general information only. If you’re planning to remortgage, you may be wondering whether overpaying your mortgage now will help you secure a better interest rate later. The short answer is yes — mortgage overpayments can significantly affect your next remortgage rate, but not in the way many people

Summary This article explains how mortgage overpayments work during fixed-rate periods in the UK, including early repayment charges, lender rules, and common limitations. It is for general information only. If you’ve been overpaying your mortgage, you may be wondering what happens to those overpayments when you remortgage. Do they disappear? Do they reduce your new loan? And can overpaying before remortgaging actually put you in a better position? In this guide, we explain ex

Summary This article explains how regular mortgage overpayments could affect interest costs and mortgage term length for UK homeowners. Examples are illustrative only and do not constitute financial advice. £100 a month doesn’t feel like much — but when it comes to your mortgage, it can make a surprisingly large difference. Many UK homeowners are shocked by how powerful small, consistent overpayments can be over the long term, even when starting with modest amounts. Why small

Summary This article explains factors that can affect whether mortgage overpayments may be beneficial for UK homeowners, including interest rates, personal finances, and flexibility considerations. It does not provide personalised financial advice. Overpaying your mortgage is often described as one of the simplest ways to save money — but is it actually worth it for UK homeowners? The short answer: for many people, yes — but not in every situation. Understanding when overpayi